High-deductible health plans have been touted as a savvy behavioral tool to motivate enrollees to more closely scrutinize the price tag of imaging tests, brand-name drugs and more. But at what point does the hefty deductible discourage employees and their families from getting potential health problems checked out or treated?

A new study by the Pacific Business Group on Health reveals that most workers don't understand the terminology used by health plans and aren't able to accurately figure out which plan will offer them the most benefits at the least cost.

Under the measure headed for a vote this week on the House floor, employers could amend their FSAs to allow employees to withdraw as taxable cash up to $500 in unused balances remaining at the end of the plan year or at the end of an FSA grace period, if an employer has that feature.

The key factor driving HSA growth is that premiums for high-deductible health insurance plans, which the law requires be linked to HSAs, tend to be lower than more traditional health plans, according to numerous surveys.